Charged for Nothing

I have been having a problem with the Credit card since I took it I have reported this issue a several times on the Call center and at the Florida branch, but still no solution for my issue, I have used the credit card when I have money and the transaction declined and I was charged a declined fee when I was swiping the card, the strange thing is that I was able to transfer money from the same credit card on the same day to my savings account, the transaction did not decline, dates 12/12/2021 and 05/01/2022

In October I purchased electricity for R100, and I did not receive the voucher for electricity and when I check on the statement it was saying the transaction failed, but the amount was deducted, I am still waiting for the refund,

Can you please assist with this issues that I am having